Credit Check for employment??? - page 2

Is this legal? What does it have to do with my being suitable for employment? I have nothing to hide, however I am very squeamish about having all of my financial records out there for anyone to... Read More

  1. by   purplemania
    It also helps to find out if the new employee is really who they say they are. You would be surprised how many people present false documents!
  2. by   Redlady
    In my opinion, the credit system is not very full proof. I bought a new house this year, and before I applied for our financials, I pulled my credit reports from all 3 agencies. They were different from each other, had old credit on there from high school that had long since been paid off, one had a credit card that had been paid in full listed as a "charge off" (that's quite a difference!!!), etc. Until the credit system gets their act together, and it's not as simple for someone to steal your identiy, then I think credit scores should be left out of it.

    You can find a link between any two points (in this case credit and nursing ability) if you look hard enough. If hospitals are looking to lower costs, seems to me that this would be a good place to start.
  3. by   BROOK9960
    I agree that this is not a fair policy. Within the past two years, I have had three major surgeries, one leaving me with a permanent colostomy. I have lost everything because I could not work to pay my bills. I lost two businesses that were doing well, my home and a car. This was not my fault, there was nothing I could do to save the stuff even though I tried.......how I tried. So now I have foreclosure, repossession and a lot of unpaid bills on my credit. I am starting nursing school in one week......why?.....because first, I have always wanted to work in the health profession, but second, because I want financial security and the ability to pay my bills and clean my credit up. What if no one hires me after school because my "credit sucks"......then, I not only have foreclosure, repo and unpaid bills on my credit, but I will also have unpaid college loans.! How is this fair?
  4. by   gauge14iv
    Quote from purplemania
    It also helps to find out if the new employee is really who they say they are. You would be surprised how many people present false documents!
    That is the main reason they do it - after my divorce, I had terrible credit - yet I still got a very good job with a large corporation - and they checked my credit. When I asked about the credit check, I told them my credit was not that great at the time and the HR person said not to worry about it - that they used it mostly as verification. It helps to coroborate that you are who you say you are, and you have been where you say you have been. Employers names appear on your credit report too in case you were not aware of that, as well as other names you have used and your past addresses.
  5. by   Sheri257
    Quote from BROOK9960
    What if no one hires me after school because my "credit sucks"......then, I not only have foreclosure, repo and unpaid bills on my credit, but I will also have unpaid college loans.! How is this fair?
    I realize you're in a difficult situation and that it isn't fair but, do try to find a way to pay those college loans. There are 2,300 people who are on the Inspector General's do not hire list because they didn't pay school loans. And, that means the hospital won't get Medicare or Medicaid payments if they hire you.

    http://oig.hhs.gov/fraud/exclusions.html

    This may be yet another reason why employers run credit checks. They can't risk losing Medicare or Medicaid funding.

    :typing
  6. by   Empress
    Quote from lizz
    I realize you're in a difficult situation and that it isn't fair but, do try to find a way to pay those college loans. There are 2,300 people who are on the Inspector General's do not hire list because they didn't pay school loans. And, that means the hospital won't get Medicare or Medicaid payments if they hire you.

    http://oig.hhs.gov/fraud/exclusions.html

    This may be yet another reason why employers run credit checks. They can't risk losing Medicare or Medicaid funding.

    :typing
    That isn't a database of people who have defaulted on their student loans, that looks to be a site about people who have either defrauded medicaid/medicare through billing or used Federal educational grants (like the one that pays for doctors med school to work in rural places.)

    I am not saying defaulting on a student loan is just fine, it is serious but you have options on how to deal with it. You're just not going to end up on some obscure governmental list barring you working in healthcare for ever and ever.
  7. by   leeae85
    Before i started nursing school, is trying to get a job at the sheriff's office as a 911 operator, and they did a credit check, but they said the only thing they were looking for were unpaid student loans, since by law they were unable to hire anyone who had unpaid student loans.
  8. by   gauge14iv
    Quote from Empress
    That isn't a database of people who have defaulted on their student loans, that looks to be a site about people who have either defrauded medicaid/medicare through billing or used Federal educational grants (like the one that pays for doctors med school to work in rural places.)

    I am not saying defaulting on a student loan is just fine, it is serious but you have options on how to deal with it. You're just not going to end up on some obscure governmental list barring you working in healthcare for ever and ever.
    Empress you are correct about that. What that site would do in the case of a HEAL loan is prevent a doctor who was not making his or her student loan payments from billing Medicare for services rendered to patients and receiving payment.

    Some states however (like Texas) allow for the suspension or revocation of professional licenses of people who are in default on student loans, or behind in child support payments. Good incentive to keep up with the payments I'd say!
  9. by   BROOK9960
    Quote from lizz
    I realize you're in a difficult situation and that it isn't fair but, do try to find a way to pay those college loans. There are 2,300 people who are on the Inspector General's do not hire list because they didn't pay school loans. And, that means the hospital won't get Medicare or Medicaid payments if they hire you.

    http://oig.hhs.gov/fraud/exclusions.html

    This may be yet another reason why employers run credit checks. They can't risk losing Medicare or Medicaid funding.

    :typing
    I have every intention of paying off my student loans. I have attended college before, and had student loans to pay off, and I paid them within 2 years after quitting school. What I am saying is that, should the credit check be used to see how our credit is and it is used as a means of deciding whether or not a person is hireable, is not a fair practice mainly because there are so many people out there who have had tough luck and they are trying to make the best of what they have been thrown in life. Truthfully, my doctor wanted to put me on permanent disability, but I would not let him because I know I can work. I am not the type of person to try to "defraud" anyone........I just want a chance to have financial stability for my children. I want to get my credit cleaned up, basically start over, and if my credit check is used against me, then my efforts and desire to not be a burden on society would be for nothing.
  10. by   gauge14iv
    Quote from BROOK9960
    I have every intention of paying off my student loans. I have attended college before, and had student loans to pay off, and I paid them within 2 years after quitting school. What I am saying is that, should the credit check be used to see how our credit is and it is used as a means of deciding whether or not a person is hireable, is not a fair practice mainly because there are so many people out there who have had tough luck and they are trying to make the best of what they have been thrown in life. Truthfully, my doctor wanted to put me on permanent disability, but I would not let him because I know I can work. I am not the type of person to try to "defraud" anyone........I just want a chance to have financial stability for my children. I want to get my credit cleaned up, basically start over, and if my credit check is used against me, then my efforts and desire to not be a burden on society would be for nothing.
    Brook - they really do know this - and poor credit will not keep you from getting hired unless you are applying for a position as a loan officer or financial manger of some sort. I don't think you need to worry about that. Read the posts after hers as well.
  11. by   Sheri257
    Quote from Empress
    That isn't a database of people who have defaulted on their student loans, that looks to be a site about people who have either defrauded medicaid/medicare through billing or used Federal educational grants (like the one that pays for doctors med school to work in rural places.)

    You're just not going to end up on some obscure governmental list barring you working in healthcare for ever and ever.
    This is where people get into trouble. They assume that defaulting on student loans won't get you on that list when, in fact, it can ...

    http://exclusions.oig.hhs.gov/ExclusionTypeCounts.aspx

    Look under ...

    Default under health education loan or scholarship obligation

    There's 2354 people on that list because of loan defaults.

    http://exclusions.oig.hhs.gov/ExclTy...ils.aspx?id=17

    There's doctors, pharmacists, dentists, psychologists and, yes, nurses on that list because of loan defaults.

    :typing
    Last edit by Sheri257 on Aug 13, '06
  12. by   Sheri257
    Quote from gauge14iv
    What that site would do in the case of a HEAL loan is prevent a doctor who was not making his or her student loan payments from billing Medicare for services rendered to patients and receiving payment.
    Yeah, but it's not just limited to doctors. The fact is, the hospital can't hire anyone on that list. To wit:

    http://oig.hhs.gov/fraud/docs/alerts...s/effected.htm

    ... no Federal health care program payment may be made for any items or services furnished by an excluded individual or entity ...

    This payment prohibition applies to the excluded person, anyone who employs or contracts with the excluded person, any hospital or other provider where the excluded person provides services, and anyone else.

    The prohibition against Federal program payment for items or services furnished by excluded individuals or entities also extends to payment for administrative and management services not directly related to patient care, but that are a necessary component of providing items and services to Federal program beneficiaries.


    :typing
    Last edit by Sheri257 on Aug 13, '06
  13. by   gauge14iv
    Not just doctors no - but just certain types of loans AND loans that are used to help promote the practice of providers in high need (typically rural) areas.

    Your usual Stafford and Perkins loan will not get you on this list - Please dont scare monger.

    (I used doctors and the HEAL loan as an example in case that wasnt clear)

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